Hi Ella,
You are so not alone. We are not "struggling" right now, but in saying that we certainly so not have much spare cash, and the only reason we're getting by is because both me and DH are working fulltime. There is absolutely NO way we could ever afford for me to be a SAHM, as our mortgage takes up 70% of DH's wage alone let alone all our other living expenses so we'd lose everything quick smart if we only had one income. We only have one car, we have a modest 3 bedroom duplex that we're paying off and I am very upset at the fact that I'm gonna have to go back to work (at least part time) by the time our new bub is only 3 months old. Quite frankly, it sucks . . .